Cristina Diaz

About Cristina Diaz – VanDyk Mortgage

Looking for a mortgage lender in Tampa, Florida who can deliver both traditional and alternative loan options? VanDyk Mortgage is a direct FHA, VA, Conventional, and USDA lender. We are also approved for many national, state, and local down payment assistance programs, giving first-time homebuyers and repeat buyers more ways to purchase a home.

Cristina Diaz is a licensed Loan Originator in Tampa, Florida. With a degree in Finance and a 5-star reputation for service, she is dedicated to guiding clients through every stage of the mortgage process with clarity and confidence.

Cristina specializes in residential financing for both purchases and refinances, with strong expertise in Non-QM and portfolio lending solutions and matching first-time homebuyers with the right down payment assistance programs. She helps borrowers who may not fit traditional mortgage guidelines—such as self-employed professionals, real estate investors, or those rebuilding credit—by leveraging VanDyk’s in-house portfolio lending platform. This allows her to craft customized financing solutions that meet the needs of real-world borrowers while maintaining the personal touch and responsiveness her clients value.

Whether you’re a first-time homebuyer or an experienced investor, Cristina combines financial insight, personalized guidance, and a genuine passion for helping others achieve their homeownership goals.

Specialized Mortgage Programs

• Bank Statement Loans Tampa – Qualify using 12–24 months of business or personal bank deposits instead of tax returns.
• 1099-Only Mortgage Loans – For contractors and gig workers who receive 1099 forms.
• Asset Depletion Loans – Convert savings, investments, or retirement funds into qualifying income.
• DSCR Investor Loans (Debt Service Coverage Ratio) – Qualify based on rental property cash flow, not personal income.
• Interest-Only Mortgage Loans – Lower monthly payments during the interest-only period.
• Recent Credit Event Loans – Options for borrowers with a bankruptcy, foreclosure, short sale, or mortgage late payments.
• ITIN Mortgage Loans – For borrowers who use an Individual Taxpayer Identification Number.
• Foreign National Loans – Purchase U.S. property without U.S. income or credit history.
• No-Ratio Loans – No income or employment documentation required—approval based on credit, assets, and down payment.
• WVOE-Only Loans (Written Verification of Employment) – Qualify with employer verification only, no pay stubs or tax returns.
• Blanket Loans & Bridge Loans – Finance multiple properties, buy before you sell, or simplify portfolio management.

Why Work with Cristina Diaz?

• Local Tampa mortgage expertise with nationwide lending power.
• Access to Non-QM loans, portfolio lending, and niche products banks may not offer.
• Personalized credit rebuild strategies to help borrowers prepare for homeownership.
• Dedicated to fast closings, professional communication, and client-focused service.

Ready to Explore Your Loan Options?

Whether you’re a first-time homebuyer, a real estate investor, or are in need of creative financing, Cristina Diaz and the VanDyk Mortgage team are here to help.

Contact us today to start your path toward homeownership.